Do I need different dies for insulated, non-insulated, and ferrule terminals?

Yes. Insulated, non-insulated open-barrel, heat-shrink, and ferrule terminals each use a different crimp profile, which is why multi-die kits exist. If you work across connector types, reviewers favor interchangeable-die sets; if you stick to one connector family, a dedicated single-purpose crimper is simpler and usually crimps more reliably.